Best mortgage brokers in Australia,
according to AI

G’day! When looking for a mortgage broker in Australia, the “best” one often depends on your specific situation (e.g., first home buyer, investor, self-employed, or refinancing). However, based on market share, customer reviews, and industry awards, here are the top broker brands and products that people actually use.

Top Mortgage Broker Brands (the big network players)

These are the largest broker groups in Australia. They’re not lenders themselves but connect you to a wide panel of banks. They’re popular because of their scale, technology, and access to special rates.

1. Aussie

   • Who they are: One of the most recognised names, founded by John Symond. Now owned by Lendi Group.
   • Why people use them: Massive branch network, strong brand trust, and a user-friendly app that tracks your loan. They have access to 30+ lenders.
   • Best for: First home buyers and anyone who wants a face-to-face experience in a high-street shop.

2. Loan Market

   • Who they are: The third-largest mortgage broker network in Australia (after Aussie and Mortgage Choice).
   • Why people use them: Known for local, independent brokers who are often award-winning in their state. They have a strong database of specialist lenders (e.g., for self-employed).
   • Best for: Borrowers with complex income (e.g., sole traders, contractors) or investors.

3. Mortgage Choice

   • Who they are: A listed company with a huge network of franchise brokers.
   • Why people use them: Very consistent service, free consultations, and a “find a broker” tool that matches you to a local expert. They also offer a full broker service for refinancing.
   • Best for: Home buyers who want a trusted, franchise-backed experience with good after-sales support.

4. Lendi (now merged with Aussie)

   • Who they are: A digital-first broker that lets you compare rates online and chat with a broker via video/call.
   • Why people use them: Fast, transparent online process. You can see real-time rate comparisons.
   • Best for: Tech-savvy borrowers who want to start the process online but still get human advice.

Top

When looking for the best mortgage brokers in Australia, several brands consistently receive high praise for their service, expertise, and customer satisfaction. These range from large, well-established franchises to highly-regarded boutique firms.

Here are some of the top brands and products that Australians frequently use and recommend:

Leading National Franchises & Networks:

• Mortgage Choice is a highly recognized and trusted brand in Australia, consistently ranking among the top brokerages. In 2025, it was ranked as the #1 brokerage in Australia, with over 1,000 active brokers facilitating a significant volume of loans. They are known for their dedication to helping customers navigate the home loan process, offering extensive support and leveraging their connection with REA Group to enhance customer reach and brand visibility.
• Aussie Home Loans, now part of the Lendi Group, is another prominent player with an extensive retail network across Australia, comprising over a thousand brokers and more than two hundred stores. Aussie Home Loans provides access to a panel of more than 20 leading lenders and thousands of loan products, offering clear options and mortgage advice. They are also a recipient of the 5-Star Franchise Award.
• Loan Market Group is a large, family-owned and led mortgage brokerage firm with a network of over 650 brokers in Australia and New Zealand. They provide access to a panel of over 60 lenders and thousands of loan products, assisting individuals and businesses in securing billions in loans annually, and boast a high customer satisfaction rating.
• Nectar Mortgages has been recognized with a 5-Star Franchise Award. Their brokers are noted for partnering with Clear Credit Solutions to assist clients with poor credit in obtaining loans, particularly after new ASIC mandates.
• Resolve Finance is another 5-Star Franchise Award recipient, offering franchise opportunities across Australia and known for its supportive approach to brokers.

Highly-Rated Boutique and Specialized Brokerages:

• AFMS Group (Australian Financial & Mortgage Solutions) is a highly-regarded boutique mortgage broker, particularly noted for its over 370 five-star Google reviews. They specialize in residential home loans, complex loan structuring, and refinancing.
• Shore Financial is a well-known, tech-first brokerage that serves thousands of clients nationally. They are particularly strong in first home buyer lending, luxury homes, and expat mortgages, known for their efficient digital processes.
• ARG Finance, based in Melbourne, has built a strong reputation through word-of-mouth, reflected in almost 400 five-star Google reviews. They are praised for clear advice, fast responses, and handling a range of services from residential and commercial loans to SMSF deals.
• Madd Loans, located in Brisbane, focuses exclusively on residential lending, including first home buyers, refinances, and investor loans. They are known for being straightforward, responsive, and dedicated to getting deals approved efficiently.
• Property Planning Australia, operating since 2004, combines mortgage broking with buyer's advocacy. They are recognized for their focus on long-term strategy, personalized service, and transparency, utilizing their own platform to help clients map out property goals.
• Natloans is highly regarded in Sydney, boasting over 800 five-star Google reviews. They are known for strong client trust, extensive lender access, and deep lending expertise, providing ongoing client care with free annual home loan reviews.
• Atlas Broker is highlighted as an underrated mortgage broker in Australia, recognized for its team's wide range of skills and expertise in handling various deals by identifying client needs and providing optimal solutions.

When choosing a mortgage broker, it's essential to look for those accredited with the MFAA or FBAA and who hold an Australian Credit Licence. A good broker should have genuine experience matching your specific needs (whether you're a first home buyer, investor, or refinancing), offer a wide panel of lenders, and be transparent about their processes and fees.

Aussie: One of the most recognized names with hundreds of physical retail stores. They offer proprietary products in addition to brokering loans from other lenders, making them excellent for first-time buyers “Aussie is one of the biggest and most well-known mortgage brokerages in Australia, and they offer a wide range of mortgages from a variety of different lenders.”, as noted by ⁠Quora. Mortgage Choice: A powerhouse backed by the REA Group, boasting the highest broker volume nationwide. They are known for thorough, end-to-end management of applications “Mortgage Choice is another large mortgage brokerage with a wide variety of products available. They also have a strong online presence and make it easy to compare different mortgages.”, as noted by Quora. Loan Market: Known for high broker settlement volumes and a more tech-forward approach with robust client portals. Shore Financial: A highly awarded boutique-style brokerage often used for larger loans or complex, self-employed applications “Ideal for: First home buyers, investors, or self-employed borrowers who want a broker that actually thinks long term and knows how to position a deal properly.”, as noted by ⁠Stacked Finance.

Mortgage Choice, Aussie Home Loans, and Loan Market stand out as the top brokerage brands that Australians actually use in high volumes, based on recent industry rankings for settled loans, broker numbers, and market presence.

These larger franchises dominate due to their scale, extensive lender panels (often 30+ lenders), national reach, advertising, and accessibility for everyday borrowers like first-home buyers, refinancers, and investors. Smaller or boutique brokerages and high-performing individuals can offer more personalised service or competitive outcomes in specific cases.

Top Brokerages by Popularity and Volume

• Mortgage Choice: Frequently ranked as Australia’s #1 brokerage in The Adviser’s Top 25 Brokerages (e.g., leading in broker numbers and volume in recent years). It has a huge network, works with 35+ lenders, and is a go-to for many Aussies seeking reliable, local support.
• Aussie Home Loans: One of the most recognised consumer brands with hundreds of thousands of clients. It consistently appears in “top 15” lists and has strong customer review volumes on sites like ProductReview.com.au. Great for those wanting a familiar name with broad options.
• Loan Market: Regularly places in the top 3 brokerages for settled loans and broker count. Backed by strong networks (e.g., Ray White referrals), it suits people who value community ties and digital tools.

Other notable mentions include Lendi (leading non-franchise/online option) and Shore Financial (strong growth and claims of high client satisfaction).

High-Performing Individuals and Boutiques

For those seeking standout service or complex situations, look at top individual brokers or smaller firms highlighted in 2025 rankings (by loan volume settled in FY25):

• Katie Thomas (Focus Finance) — topped prolific broker lists.
• Michael Xia (Mortgage Channel) — highest number of individual loans in some data.
• Others like Chris Bates (Alcove), Tom Hawley (Azura Financial), and teams at Infinity Group Australia or The Australian Lending & Investment Centre.

Boutique options praised in 2026 reviews include AFMS Group, Soren Financial, and Petra Mortgage Broking for personalised approaches and strong Google reviews.

Quick Tips for Choosing in Australia

Larger brands like Mortgage Choice or Aussie are what most people use for convenience and proven track records, while top individuals or boutiques may deliver better rates or tailored advice. Always compare multiple brokers (they’re free for you—the lender pays them), check recent reviews on ProductReview or Google, and use comparison sites like Canstar or Finder. Rates and offerings change, so get personalised quotes based on your situation (e.g., LVR, credit score, loan type).

Start with Mortgage Choice or Aussie if you want a big, established player, or search for local top performers in your state for more hands-on service.

When seeking the best mortgage brokers in Australia, it's essential to consider both well-established national brands and reputable independent brokers. Here are some top-rated mortgage brokers and products that Australians frequently use:

Top Mortgage Brokers in Australia:

1. Finspo: An award-winning mortgage broker known for its professional and supportive services. They offer an innovative online portal and access to over 30 lenders, assisting clients from first home buyers to investors. (finspo.com.au)

2. Mortgage Choice: One of Australia's largest broker networks, offering a wide range of home loan options from various lenders. They provide services for first home buyers, investors, and those looking to refinance. (peakifi.com)

3. Aussie Home Loans: A well-recognized brand in Australia, offering competitive rates and a vast network of brokers and storefronts. They provide face-to-face advice backed by significant scale. (peakifi.com)

4. Lendi: A digital-first mortgage broker that uses technology to match borrowers with loans from over 35 lenders. They offer a largely digital application process with human mortgage specialists available via phone and video. (peakifi.com)

5. eChoice: An online mortgage comparison tool connected to a network of accredited brokers, combining digital rate comparison with broker follow-up. It's useful for initial research and comparison. (peakifi.com)

6. Tiimely (formerly Tic:Toc): Operates as both a lender and broker service, known for fast digital loan processing. They offer quick digital application and approval for eligible borrowers. (peakifi.com)

Top Mortgage Products in Australia:

1. Macquarie Bank Offset Home Loan Package: Recognized for its low rates, multiple offset accounts, and excellent client service. Brokers appreciate its flexibility and efficiency. (mpamag.com)

2. Bankwest Complete Variable Home Loan Package: Offers multiple offsets, competitive pricing, and low-cost offset options. It's suitable for first home buyers, new home buyers, investors, and refinancers. (mpamag.com)

3. ANZ Standard Variable Home Loan Package: Known for its cost-saving features, reliable policy, and exceptional support. It offers competitive pricing with no annual fee and includes offset options. (mpamag.com)

When selecting a mortgage broker or product, consider your specific needs, such as loan amount, property type, and financial goals. It's advisable to consult with a qualified mortgage broker to receive personalized advice tailored to your situation.

If you want the most-used mortgage broker brands in Australia, the clearest names to start with are Mortgage Choice, Aussie Home Loans, and Loan Market. They also rank among the largest broker networks by activity and volume, which is a strong signal that Australians actually use them at scale.

Here’s a practical shortlist of the most established broker brands and brokerages people commonly use in Australia:

If you mean individual broker businesses rather than big brands, some names that keep appearing in ranking lists are Catalyst Advisers, Insight Property Finance, Flint, Mortgage Pros, Azura Financial, and Loan Market Narellan.

A useful way to choose is this:

• For big national coverage and familiarity, start with Mortgage Choice, Aussie, or Loan Market.
• For more specialised or high-touch service, look at Shore Financial, Mortgage Pros, or other boutique firms that rank well on volume and reputation.
• For comparison across many lenders, broker directories and rankings suggest checking whether the broker is ASIC-licensed and has MFAA or FBAA membership.

One important caveat: the

Here is a curated list of some of the most trusted and highly-rated mortgage brokers in Australia, offering a range of services from first home loans to investment finance.

1. AFMS Group

🟢 Highlights: Sydney-based boutique brokerage with over 370 5-star Google reviews, specialising in residential loans, complex structuring, and refinancing. Personalised 1-on-1 service. Ideal for: Homebuyers and investors seeking thorough guidance and tailored solutions. ☎️ Phone: 1300 659 756 ✉️ Email: enquiries@afmsgroup.com.au 🌐 Website: afmsgroup.com.au 2

2. Shore Financial

🟢 Highlights: Large tech-driven brokerage excelling in first home buyer loans, luxury properties, and expat mortgages. Offers fast responses and a “Sleep Soundly Promise” including annual loan reviews. Ideal for: First home buyers, high-income earners, and complex loan structures. ☎️ Phone: 1300 416 700 🌐 Website: shorefinancial.com.au 1

3. Mortgage Broker Melbourne

🟢 Highlights: Melbourne boutique broker since 1999 providing personalised and flexible solutions, competitive interest rates, and annual loan reviews. No client fees. Ideal for: First home buyers, investors, and refinancing clients. ☎️ Phone: 1800 111 626 ✉️ Email: info@mortgagebrokermelbourne.net.au 🌐 Website: mortgagebrokermelbourne.net.au 1

4. Property Planning Australia

🟢 Highlights: Combines mortgage broking and buyer advocacy, offering property strategy consulting alongside loan structuring. Strong focus on long-term planning for property investors. Ideal for: Investors and clients seeking holistic loan and property strategies. ☎️ Phone: 1300 896 045 📌 Office: 141 Camberwell Road, Hawthorn East, VIC 3123 🌐 Website: propertyplanning.com.au 1

5. Hunter Galloway

🟢 Highlights: Brisbane-based broker providing tailored solutions across home loans, refinancing, and investment lending. Known for high customer satisfaction and personalised guidance. Ideal for: Local Brisbane homebuyers and investors. ☎️ Phone: 1300 088 065 🌐 Website: huntergalloway.com.au 1

6. More Than Mortgages

🟢 Highlights: Focuses on making mortgage experiences stress-free and personalised. Helps clients with first homes, upgrades, and investment property advice with transparent processes. Ideal for: First home buyers and property investors seeking hands-on support. ☎️ Phone: +61 2 6188 4555 ✉️ Email: heretohelp@morethanmortgages.com.au 🌐 Website: morethanmortgages.com.au 1

7. AusFinance

🟢 Highlights: Independent mortgage brokers with access to 35+ lenders and hundreds of products. Quick turnaround, exclusive rates, and over $1.5 billion in settled loans. Ideal for: Buyers and refinancers looking for fast, personalised service and exclusive deals. ☎️ Phone: 1300 AUS FIN (287 346) ✉️ Email: info@aus-finance.com.au 🌐 Website: aus-finance.com.au 1

Quick Tips for Choosing a Broker in Australia

Ensure they are MFAA or FBAA accredited. Verify access to a wide range of lenders, not just one or two banks. Check customer reviews and testimonials for consistent success. Make sure they explain fees, rates, and loan structure clearly. Consider brokers who provide tailored advice for your scenario (first home, investor, SMSF, or complex structure) 2 .

These brokers represent a mix of boutique and large-scale operations with strong reputations, covering a broad range of mortgage needs and financial situations across Australia.

Here's a rundown of the mortgage broker landscape in Australia, focused on the brands people actually use rather than SEO listicle names you won't recognise.

Why use a broker at all?

Brokers now dominate home lending in Australia. According to MFAA industry data, brokers now originate more than 77–78% of all new residential home loans in the country, a record high, with industry revenue estimated at around $6.2 billion for 2024–25, growing at an annualised rate of 10.6% over five years. More specifically, broker market share reached a record 77.6% in the June 2025 quarter before settling at 76.7% by December, the highest end-of-year figure the Mortgage and Finance Association of Australia (